10 Questions To Ask Before Purchasing Off-Road Vehicle Insurance

Taking your vehicle off-road is one of the most entertaining things you can do in a day, but it does not always end well. That is why you need a vehicle insurance policy covering these types of adventures.

This insurance policy is designed to cover not only the toys you use when off the beaten path but also your daily car, truck, or SUV that you take off-road. The bottom line is that if you drive off-road, you need to consider having an insurance policy to cover it.

It is not as easy as it sounds, so let’s discuss 10 questions to ask before purchasing off-road vehicle insurance to ensure that you make an informed, educated decision.

• What is off-road vehicle insurance? It is a policy that covers any vehicle on the contract that you use to drive on dirt roads and through swamps.

• Do you need this type of insurance? If you have done all the work to your off-roading rig, there will be no need to have an additional policy, but if you have no idea how to put in the wrench time, secure a policy to ensure you are covered.

• What are the benefits? If you have an off-road insurance policy, you will have the peace of mind that can only come with knowing that anything crazy you do will be covered if something goes wrong.

• How much will it cost? The cost of off-road insurance can vary as much as your daily driving insurance. It is a high-risk action that could end up costing the insurance company a substantial amount of money.

• What affects the costs? The same things that affect your everyday insurance will also increase or decrease the premiums you will be required to pay. The only way to know exactly how much your specific financial status and credit history means to the insurer is to go online and compare car insurance quotes from as many companies as possible.

• Are there special discounts? You can apply for numerous discounts, including ones that cover any off-road clubs or groups you may be a part of. Honestly, you will never know unless you ask. Most of the time, the insurance agent will not volunteer the information unless you ask. If they don’t honor something as a means for a discount, the most they can do is say no.

• When does the off-road coverage start? Most of the time, since the policy is an add-on to your daily insurance, it will start and end at the same time. It should be active as soon as the premium payments are made, which may vary the first couple of months to allow the coverage to compensate for the time frame of your primary insurance policy. After you sign the contract, check the dates on the paperwork because it will show you when it starts and ends.

• How do you make a claim if needed? Most of the insurance companies you will find have an app you can download on your phone, or they will have a platform online that you can use. Of course, if you prefer, there will always be a phone number that you can use that will direct you to a human, but online claims filing is much quicker and easier.

• Are there any exclusions? The policy you have will list any exclusions that the coverage has, but for the most part, it will be covered if the damage occurs while off-roading. If it is caused by regular driving, it will not be covered.

• Will my daily insurance policy cover my off-road vehicles? The simple answer to this is no. If you have an off-road vehicle that is not a daily driver, it will not be covered. If it is a daily driver, most primary insurance policies will not protect you off the main roads.

These 10 questions should always be asked before you sign a contract for an off-road vehicle. There are so many options available to you that it is never suggested to go with your first offer. Find the one that fits your specific circumstances and does not take a huge chunk out of your pocketbook.

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